My Frugal Miser - November Income: $10,342

I sound like a broken record.  Once again I am reporting two vacancies.  I think one of those properties may finally be occupied, but I haven't received any income yet so we shall see.  I also began the eviction process on another tenant.  Unless he makes a payment this week, he is out.  One tenant paid two months' rent in November, so I am still reporting a decent figure.

Mystery shopping income is usually paid the month after the work was performed.  I did relatively little in November, but that won't show up until I post for December.



November Income

$3,164 Mystery Shopping
$7,077 Rental Income

$101 Other Sources

$10,342 Total Income for November

Notes:.  

• I don't include transactions in my retirement accounts.  This includes rental income, dividends and capital gains and losses.
• I include merchandising and hospitality work in the mystery shopping category since the companies that I shop for provide this extra side work. 

My Frugal Miser - November Expenses: $7,927

My Personal Expenses in November were higher than I need them to be.  If I am going to spend $20,000 in 2014, I have to average $1,667 per month.  Last month I bought a new computer and paid for the 2014 version of Quicken.  I tried to make Mint work for me but it is not robust enough.  I also bought over $400 worth of restaurant gift cards that we will redeem over time.  Since the registration on the S-10 is expired, I rented a car for a week to attend a conference in Orlando.  I won't be able to renew the registration until my grandfather's estate is settled.  Finally, I had to have a root canal retreated, which cost more than $500.

Business expenses were high because I began paying 2013 property taxes.  I spent nearly $3,000 on them.  In December it will be even higher.


November Personal Expenses:  $2,806

$285 Auto ($161 for rental, $27 for accessory, $51 for service, $46 for fuel)

$0 Bank Fees
$46 Clothing
$354 Computer
$85 Entertainment (movies, gambling, alcohol)
$659 Food
$66 Gifts Given

$514 Household/Housing/Home Repair
$159 Health and Dental Insurance
$0 Investment Expenses

$546 Medical/Dental
$7 Miscellaneous
$45 Personal Care

$10 Subscriptions
$0 Taxes

$31 Utilities
$0 Vacation and Recreation

November Business Expenses:  $5,120

$895 Mortgage Interest (rental properties)
$198 Interest on Debt (not including Mortgage Interest)
$4027 Rental Properties - Maintenance and Repairs


Total November Expenses : $7,927

Notes

• I spent over $400 on restaurant gift cards (Food Category) that we will use over time.  The holidays usher in generous bonus offers so I loaded up in November.
• I don't include principal payments in my expenses, only the interest portion of the monthly mortgage bills.